Discovering Options To Avoid Being an Unpaid Caregiver or Receiving Unpaid Care!

Nationwide, there are has been approximately 450 billion dollars in unpaid caregiving to an adult family member/friend. That is 13% of the U.S. population that provides unpaid family caregiving. These numbers are staggering - these people are left with not only emotional stress but also financial.

Read a family members story.

Types of caregivers

Basically when it comes down to it there two types of caregivers - the paid caregiver and the unpaid caregiver. Being a paid caregiver comes more natural and easier to most the caregivers, basically because it is their job. Being an unpaid caregiver is not so easy, yet it can be a rewarding experience for some but more times then not it is very stressful and exhausting. We will go into both more in details below.

Paid Caregivers

Paid caregivers can be anyone from a companion to a licensed health care professional, this really just depends on the level of care that is needed. One level of caregiving is a homemaker service, this type of care helps with hands-off assistance such as help with errands, cooking, cleaning, etc. This type of care according the Genworth 2012 Cost of Care Survey costs on average $18 nationwide. Another level of care is a home health aide. This is the type of paid caregiving that provides hands-on care for ADL's (activities of daily living), but they do not provide medical care. This type of care costs on average $19 an hour nationally. One thing to remember these types of care are not covered by Medicare. The only type of home health care that is covered by Medicare is Skilled care. This is they type of care where a registered nurse would come in and provide any medical care that is needed.

Regardless of the level of care that is needed it is always best to work with a licensed agency to determine the plan of care. Medicare.gov provides a home health care agency finder - http://www.medicare.gov/HomeHealthCompare/search.aspx.

Unpaid Caregiver

Here's an astounding fact - unpaid caregivers make up roughly 80% of all long term care services. That means of the 7.6 million people receiving home health care, over 6 million people are their unpaid caregivers!

It is pretty defined in it's title to what an unpaid caregiver is, simply that - a caregiver who does not get paid. Most unpaid caregivers are a spouse, child, other family members, friends or neighbors. It is estimated that women make up the majority of unpaid caregiving. Being an unpaid caregiver can be beyond difficult in a number of ways - emotionally, physically and financially. Learn about the stress of being a caregiver here.

Many people wonder what the financial options are for unpaid caregivers, such as is there any financial resources such as government help etc. to help out? Unfortunately, the answer at this time is no. If the loved ones plan ahead in time there however is an option to get paid to be the caregiver! That is a cash for long term care insurance policy, this is where the policy holder will receive cash benefits when they are on long term care claim, they can use this money to pay a loved one to provide their care! Learn more here.

 

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